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Friday, May 18 • 5:15pm - 6:15pm
210-Premium Subsidies and Demand for Marketplace Health Insurance Among Lower Income Households

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Guangyi (Nancy) Wang, Tansel Yilmazer - In order to lower the high uninsurance rate in the United States, the Affordable Care Act (ACA) was passed in 2010, aiming at expanding both public and private insurance to allow more low-income Americans to obtain health insurance. Premium subsidy is one ACA’s major provision that encourages lower income households with limited access to employer-sponsored health insurance and other public insurance such as Medicaid to purchase individual health insurance on the “Marketplace”. Households with income between 100 and 400% Federal Poverty Level (FPL) are eligible to receive a substantial subsidy for purchasing health insurance. Using the Current Population Survey (CPS) and a regression discontinuity research design, we try to access the causal effect of the premium subsidies on health insurance coverage among lower income households, and thus contribute to the limited literature in this area. Overall, we find limited evidence that premium subsidies increase the probability of having coverage among the average household around the FPL. However, there is substantial positive effect on single childless adults, indicating that health insurance might be more valuable to them for some reasons.

avatar for Guangyi Wang

Guangyi Wang

Graduate Research Assistant, The Ohio State University

Friday May 18, 2018 5:15pm - 6:15pm
Island 1